Kotak Aqua Gold Credit Card – Review, Details, Offers, Benefits, Fees, How To Apply, Eligibility, Status, Limit

Kotak Bank – Aqua Gold credit card is a FREE credit card that offers additional benefits of interest free cash withdrawals, fuel surcharge waiver, a credit limit up to 80% of your term deposit amount and a free Credit Card for life.

Kotak Aqua Gold Credit Card Benefits

  • Joining Benefits : N/A
  • Benefits
  • Earn 1X reward points against every Rs. 125/- of retail spends
  • Spend Rs. 1, 50,000 in a year and get 4 free PVR tickets or Cash Back of Rs. 750 You can choose from the below redemption options:
    • Redemption Option 1:
      • PVR tickets can be used for any day and any show and are transferrable.
      • Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com
      • You can claim your PVR tickets within 3 months after the program period gets over
    • Redemption Option 2:
      • Cash Back will reflect in your next billing cycle
      • You can claim your cash back within 3 months after the program period gets over
  • Milestone Benefits: See above
  • Lounge Access (Domestic): No Benefit on this card
  • Movie Tickets: 4 PVR Tickets on annual spend of Rs 1.5 lakhs
  • Restaurant Offers:  N/A
  • Railway Surcharge waiver:  waived (max waiver Rs 500 per year)
  • Fuel:  waived at all petro pumps for transaction value between Rs 500 to Rs 3000
  • Interest free cash withdrawal upto 48 days. Cash advance fee of Rs 300 per Rs 10000

Rewards Collection

  • Earn 1X reward points against every Rs. 125/- of retail spends
  • Spend Rs. 1, 50,000 in a year and get 4 free PVR tickets or Cash Back of Rs. 750 (worth 0.5% – 1%)

Rewards Redemption

  • 1 Reward point = Rs 0.25  (worth 0.2%)

Kotak PVR Gold Credit Card Fees

  • Joining fees: Rs 0
  • Annual Fee: Rs 0  

How to Apply – You can apply online at Kotak Bank website 

  • Primary Credit Card holder should be in the age bracket of 18 to 75 years. 
  • Minimum TD Amount – Rs. 25,000/-
  • Only Individual TDs are allowed
  • Should be a resident of India

Summary

This credit card has very low reward value. Also it is given against the FD only. One should go for this card if they are not able to secure another free cards. You get 4 free PVR tickets on annual spend Rs. 1, 50,000.  Kotak PVR Gold card is much better as it gives 24 PVR tickets for annual spend of Rs 1.8 lakhs.

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